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See the work / A worked CFO review

Inside your
CFO review.

The numbers are ready. What should happen next?

Fictional ecommerce businessActuals: January–August 2026Base forecast · EUR

A review starts with reconciled information and finishes with decisions, owners and dates. Follow two findings from the example model into the questions we would bring to management.

Explore the finance pack ↗
  1. 01Explain performance

    Separate the result from the drivers behind it.

  2. 02Challenge the outlook

    Test assumptions, timing and the downside.

  3. 03Agree decisions

    Clarify the options and who can approve them.

  4. 04Track follow-through

    Assign an owner, a date and evidence of completion.

01 / Performance

Gross margin holds.
Profit is under pressure.

January–August 2026 actuals against the original budget.

Trace the P&L and budget ↗
Gross margin63.3%62.5% budget
After-marketing contribution26.6%29.8% budget
EBITDA€19,895€172,743 budget
The evidence
Financial net revenue is €187,702 below budget. Variable channel costs are €26,472 above budget. Product margin alone does not explain the profit outcome.
The CFO challenge
Which campaigns still earn enough after fulfilment, marketplace fees and returns? Which discretionary costs deserve continued funding?
The proposed action
Set campaign spending limits around contribution and assign an approval owner for content, recruitment and contractor spending.

02 / Liquidity

Near-term cash.
A longer-term funding decision.

Weekly cash and the monthly forecast answer different questions.

Inspect all three forecast cases ↗
Lowest 13-week closing cash · Base€290,055Scheduled weekly balances
Lowest month-end cash · Base€1,825October 2027
Reserve shortfall · Downside€364,907Against the €150,000 reserve
The evidence
The Base forecast falls €148,175 below the €150,000 reserve in October 2027. A healthy-looking near-term balance does not settle the next seasonal funding requirement.
The CFO challenge
Which inventory commitments can change? What supplier terms or funding can be secured, and when? Undrawn facilities are not cash until the conditions for drawing are met.
The proposed action
Evaluate funding alongside supplier terms and agree downside triggers before committing to the next seasonal stock cycle. Check payment dates and daily liquidity as well as weekly and month-end balances.

What leaves the meeting

The decision has an owner.

These actions come from the fictional model. They demonstrate the handover from analysis to follow-through; they are not completed client results or approved commitments.

Illustrative follow-through · proposed actions in the fictional model
ActionOwnerDueStatusMeasure of completion
Paid media rules: Meta and Google capped at the CM2 breakeven CAC by campaign, weekly CAC and ROAS reporting, 10% of budget moved to retentionPerformance Marketing Manager2026-10-01OpenShopify CAC back under EUR 23 by Nov-26
Downside contingency plan written with KPI triggers (CM2 %, CAC, cash headroom) and the five cash levers on Cash_13W in priority orderBriQs CFO2026-10-15OpenPlan approved by the CEO and attached to the October pack
Evaluate an additional EUR 250k inventory facility alongside the assumed EUR 150k undrawn line, or alternative supplier terms; confirm the combined funding plan against the Downside reserve shortfall.CEO2027-03-31OpenSigned facility or amended supplier terms before the Jun-27 deposits

Weekly

A full CFO call or Loom review uses current results, cash, exceptions and the action register. Provisional information is distinguished from closed actuals.

Monthly

The closed management pack brings together reconciled statements, variance explanations, operating schedules and the updated forecast.

Inspect the full finance pack ↗Discuss your finance priorities ↗

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